MOHELA says my SAVE plan ended

This notice

The letter or email says the SAVE Plan has ended. It tells you to select a new federal repayment plan.

MOHELA’s page End of the SAVE Plan states that a court order ended SAVE in March 2026. If you are on SAVE, or you have a pending SAVE application, you must choose a new plan after MOHELA notifies you.

Federal Student Aid also sent an overview. MOHELA then sends its own notice by email or mail, based on your contact preference. That second notice starts the 90-day clock.

MOHELA says it is writing to millions of borrowers in waves from July 2026 through October 2026. Your neighbor may get the letter weeks before you. Your clock is the date on your notice, not theirs.

This paper is not a wage garnishment notice. It is not a default lawsuit. It is a plan-change notice on a federal loan that MOHELA services.

If you ignore the notice, MOHELA says it will place you on the Standard Repayment Plan or the Tiered Standard Plan. That placement depends on when the loan was disbursed. Those plans are not based on your income. The payment can be higher than an income-driven plan.

MOHELA also says you may apply before the notice arrives. If you apply now, and the new plan is processed, SAVE forbearance ends even if 90 days remain. Bills can start sooner. That tradeoff is on the official FAQ, not a rumor.

Official path

1. Save the email or letter. Write the notice date and the 90-day date on one sheet, then keep the file.

2. Read the MOHELA page End of the SAVE Plan. It says you must switch within 90 days of that notice. It also says you may apply before the notice arrives.

3. Open the Federal Student Aid page IDR court actions to confirm the court ended SAVE and that you should choose another plan.

4. Compare plans with the Repayment calculator on StudentAid.gov. The CFPB page How can I enroll in Income-Driven Repayment? says that Department of Education site is the place to start for Direct Loans.

5. Submit the new plan request on StudentAid.gov. Consent to use IRS tax data if the site offers that path, because MOHELA says it can speed the result. Save the confirmation number.

6. Watch your MOHELA and StudentAid.gov accounts for written confirmation. MOHELA says that when the new plan is processed, SAVE forbearance ends even if 90 days remain. A bill can follow.

7. Submit a complaint at Submit a complaint if the notice date, loan list, or quoted payment does not match your records. Attach the notice and your confirmation.

People on borrower forums often wait for a phone agent to “fix SAVE.” The official pages win that conflict. Use StudentAid.gov, then keep the confirmation.

What people reported

Often helps

• Filing the new plan on StudentAid.gov, then saving the confirmation, instead of waiting on a MOHELA call-back.
• Asking in writing which plan, income, and family size produced a quoted payment, after a letter showed a large Standard-sized bill.

Often fails

• Leaving a SAVE-to-IBR request pending for months with no confirmation. CFPB narratives describe denial letters, processing errors, and bills that never explained the math.

Template

[DATE]

MOHELA
SAVE plan transition / repayment plan request
[ADDRESS ON THE NOTICE OR MOHELA.STUDENTAID.GOV MESSAGE]

Re: SAVE-plan ending notice, federal student loans, account ending [LAST FOUR]

I am writing about the notice dated [NOTICE DATE] that says the SAVE Plan has ended and that I must select a new repayment plan. You stated I must switch within 90 days of that notice.

On [APPLICATION DATE] I submitted a repayment-plan request on StudentAid.gov. The confirmation number is [CONFIRMATION NUMBER]. I requested [PLAN NAME, IF SHOWN].

Please send written confirmation of the plan you placed me on, the first payment due date, and the monthly amount. If you used income or family size, please list those figures.

I did not request wage garnishment or a default collection. This letter is only about the SAVE-plan ending notice.

Enclosed are copies of [NOTICE / STUDENTAID.GOV CONFIRMATION], not originals.

[FULL NAME]
[ADDRESS]
[PHONE]
[EMAIL]

Enclosures: [LIST]

Stop here if…

• You received a Notice of Proposed Wage Garnishment, a default collections letter, or a Treasury Offset notice. Those papers have different deadlines.
• These loans were never yours, or this is identity theft. Use IdentityTheft.gov and say so in writing to MOHELA and Federal Student Aid.
• You were served a lawsuit, summons, or complaint about these loans. Court dates are not the same as a 90-day plan notice.

FAQ

Do I have to wait for the MOHELA notice before I apply?

No. The MOHELA page says you are not required to switch until the notice arrives, and it also says you do not have to wait. You can log in at StudentAid.gov and use the repayment calculator now.

What happens if I miss the 90 days?

MOHELA says borrowers still on SAVE are then placed on the Standard Repayment Plan or the Tiered Standard Plan, depending on loan disbursement dates. That can mean a higher payment than an income-driven plan.

If I apply now, does SAVE forbearance end before day 90?

Yes, according to MOHELA. Once the new plan is processed, you leave SAVE and the SAVE forbearance ends, even if 90 days remain. That is the unsexy part: acting early can restart bills sooner.

Should I call MOHELA to pick a plan?

The MOHELA SAVE page says there is no need to call. It points you to StudentAid.gov and the repayment calculator. Keep a screenshot of any confirmation number after you submit.

Is this the same as a wage garnishment notice?

No. A SAVE-end notice is about choosing a repayment plan. A Notice of Proposed Wage Garnishment is a collections paper with a different deadline. Use the garnishment guide if that is the document in your hand.